Isabella Bank Statistics
Total Valuation
Isabella Bank has a market cap or net worth of $303.29 million. The enterprise value is $252.20 million.
| Market Cap | 303.29M |
| Enterprise Value | 252.20M |
Important Dates
The last earnings date was Thursday, October 29, 2026, before market open.
| Earnings Date | Oct 29, 2026 |
| Ex-Dividend Date | Sep 28, 2026 |
Share Statistics
Isabella Bank has 7.65 million shares outstanding. The number of shares has decreased by -0.10% in one year.
| Current Share Class | 7.65M |
| Shares Outstanding | 7.65M |
| Shares Change (YoY) | -0.10% |
| Shares Change (QoQ) | +4.16% |
| Owned by Insiders (%) | 7.54% |
| Owned by Institutions (%) | 20.81% |
| Float | 7.08M |
Valuation Ratios
The trailing PE ratio is 13.76 and the forward PE ratio is 10.27.
| PE Ratio | 13.76 |
| Forward PE | 10.27 |
| PS Ratio | 3.49 |
| Forward PS | 3.06 |
| PB Ratio | 1.24 |
| P/TBV Ratio | 1.54 |
| P/FCF Ratio | 13.17 |
| P/OCF Ratio | 11.72 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 11.82 |
| EV / Sales | 2.90 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.95 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.36 |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.80 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.02%.
| Return on Equity (ROE) | 9.02% |
| Return on Assets (ROA) | 0.95% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.62% |
| Revenue Per Employee | $229,103 |
| Profits Per Employee | $56,274 |
| Employee Count | 379 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Isabella Bank has paid $5.89 million in taxes.
| Income Tax | 5.89M |
| Effective Tax Rate | 21.63% |
Stock Price Statistics
The stock price has increased by +12.87% in the last 52 weeks. The beta is 0.08, so Isabella Bank's price volatility has been lower than the market average.
| Beta (5Y) | 0.08 |
| 52-Week Price Change | +12.87% |
| 50-Day Moving Average | 38.39 |
| 200-Day Moving Average | 42.65 |
| Relative Strength Index (RSI) | 61.67 |
| Average Volume (20 Days) | 31,788 |
Short Selling Information
The latest short interest is 304,049, so 3.97% of the outstanding shares have been sold short.
| Short Interest | 304,049 |
| Short Previous Month | 313,739 |
| Short % of Shares Out | 3.97% |
| Short % of Float | 4.30% |
| Short Ratio (days to cover) | 8.70 |
Income Statement
In the last 12 months, Isabella Bank had revenue of $86.83 million and earned $21.33 million in profits. Earnings per share was $2.88.
| Revenue | 86.83M |
| Gross Profit | 86.83M |
| Operating Income | 29.62M |
| Pretax Income | 27.21M |
| Net Income | 21.33M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.88 |
Balance Sheet
The company has $138.54 million in cash and $87.46 million in debt, with a net cash position of $51.09 million or $6.68 per share.
| Cash & Cash Equivalents | 138.54M |
| Total Debt | 87.46M |
| Net Cash | 51.09M |
| Net Cash Per Share | $6.68 |
| Equity (Book Value) | 245.59M |
| Book Value Per Share | 32.09 |
| Working Capital | -1.81B |
Cash Flow
In the last 12 months, operating cash flow was $25.87 million and capital expenditures -$2.84 million, giving a free cash flow of $23.03 million.
| Operating Cash Flow | 25.87M |
| Capital Expenditures | -2.84M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 72.80M |
| Free Cash Flow | 23.03M |
| FCF Per Share | $3.01 |
Margins
| Gross Margin | n/a |
| Operating Margin | 34.11% |
| Pretax Margin | 31.34% |
| Profit Margin | 24.56% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 27.68% |
Dividends & Yields
This stock pays an annual dividend of $1.12, which amounts to a dividend yield of 2.83%.
| Dividend Per Share | $1.12 |
| Dividend Yield | 2.83% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 38.87% |
| FCF Payout Ratio | 37.20% |
| Buyback Yield | 0.10% |
| Shareholder Yield | 2.92% |
| Earnings Yield | 7.27% |
| FCF Yield | 7.59% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
Stock Splits
The last stock split was on March 11, 2008. It was a forward split with a ratio of 1.1:1.
| Last Split Date | Mar 11, 2008 |
| Split Type | Forward |
| Split Ratio | 1.1:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |